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Aetna HDHP 3000

$5,765 a year, all in: premiums + care − tax savings

Based on your household's care, including 8 doctor visits · 38 prescriptions · 4 specialist visits

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The HDHP wins by about $1,100 over the PPO once the HSA tax savings are counted — even in a year with a surgery.

Every plan, every scenario

Plan	Quiet year	Most likely◆ Your Modeled Year	Your what-ifs	Worst case
Aetna HDHP 3000	$3,045lowest	$5,765lowest	$8,846	$14,565
Blue Cross PPO 2000	$3,430	$6,880	$8,504lowest	$15,680
Kaiser HMO Basic	$7,928	$8,828	$10,204	$13,728lowest

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With this one event, the HDHP still comes out ahead by about $340.

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The lowest premium is often the most expensive plan once deductibles, copays and taxes are counted. Stan does that math for you.

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